Because habitual difference is consumed between thing Fang Zhi, chinese student studying abroad one not careful keep undesirable credence record very easily. In strict credence record and system of examine and verify fall, once consumer had bad record, meeting is faced " everywhere be rebuffed " corner. Accordingly, maintain close tie with bank and credit orgnaization, pay close attention to oneself credit at any time, avoid to keep bad record, it is the indispensable component in after every China student studying abroad went to the United States, living.
Be in the United States, credit has made a kind of goods essentially. An orgnaization of letter of person ask forring that spreads all over the United States and the company that chase after Zhang is from gain the purpose sets out, offer to the society paid service, complete fact is commercialized all right run. Begin from 19 centuries metaphase, the United States sells the goods such as piano, sewing machine with respect to the means that pays with separating a month; Since 1910, the United States begins to sell a car with the means that pays minute months again, accelerated the development that consumes credit greatly thereby. Arrive at present, consumer credit already made the consumptive way with fundamental American, 0 deposit phenomenon also makes clear the dweller that appears several years continuously consumptive demand became the critical force that drives American economy.
One, social insurance date (SSN)
Be in the United States, every citizen has " social insurance date " (SSN -- Social Security Number) . This number connected all basic message in an American lifetime and credit record rise. After acting 1930 United States establishs social safety management board, set the United States federally all lawful citizens and dweller must the social insurance number with significant hold. This number consolidates management by management board of national society safety, it is exclusive to every American. In network today, the social security number that wants a someone only inputs all of computer science department of couplet net, its are basic circumstance and credence are recorded be clear at a glance.
American SSN is similar to Id number of China on certain level, his number is exclusive and lifelong and changeless. So university of a lot of United States also regards application encode of the student or number of one's status as a student as it. To Chinese student studying abroad, one of urgent affairs after going to the United States apply for a SSN as soon as possible namely. If do not have SSN, the life that meets you brings a lot of inconvenience.
2, credit card
American credit card basically has 4 kinds, namely VISA, Master, American Express and Discover. Among them the use of VISA and Master is more general.
There is credit record commonly when Chinese student studying abroad just went to the United States, immediate application credit card is more difficult. And outside be being recorded except credit, the social insurance order that credit card company still needs applicant of examine and verify, living address that is in the United States, individual year the information such as income and telephone number. Obtaining credit to record the simplest way right now is to be in a bank to buy a piece to allow with the means that deposits money beforehand " credit card " , the consumptive upper limit of this piece of card holds those who block a person to deposit money beforehand namely the forehead. Undertake inside this fixed number consumption and reimbursement can accumulate the credit record that has his stage by stage. It is better to if consume more, credence,be recorded, can be in commonly application goes to a piece of real credit card in half an year, and buy this Zhang Zhun before " credit card " amount also will be returned by bank exactly the number still. Want an individual to consume be as good as one's word only, of this piece of credit card can appear number specified number to be able to increase ceaselessly, down to can buy big goods such as furniture, car, building.
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